Merrick Bank Customer Service Issues

Hello. I have a Merrick Bank secured Visa card ending in 0[redacted]. My name is Dmitry Rogachev. I am currently traveling abroad and suspect that my card was compromised on December 15 and 16. There are pending transactions that I need help stopping immediately as they seem fraudulent. I attempted to contact customer service but the wait time is extensive, and the toll-free number is not accessible from outside the country where I am. The unauthorized charges amount to around $[redacted]. Thank you - Dmitry.

I waited on hold for 3 hours before being disconnected when it was finally my turn. After calling back and enduring another 2-hour hold, my issue remained unresolved. The next morning, I was informed of a 7-hour wait time, which was incredibly frustrating. Feeling mentally drained, I was forced to contact my personal bank for assistance. Miraculously, the problem with my locked new credit card resolved itself within 24 hours.

I have a service called Informed Delivery where the post office provides photos of all incoming mail and packages. On December 13, [redacted], according to the photo, my credit card from Merrick Bank was scheduled for delivery. Despite waiting for the mail, the card did not arrive on that day. I checked for it in the following days and even visited the local post office but to no avail. I want to ensure that the card has not been delivered to someone else who may have activated it. If it has not been received, I would like to request a replacement card to be sent to me.

Dear Customer Service, I understand that I have fallen behind on my payments on my account ending in [redacted]. Due to circumstances beyond my control, I am currently unable to make payments. I am actively working to rectify the situation in the near future and appreciate your patience during this challenging time. Ongoing sickness has impacted my ability to keep up with my bills, and I kindly ask for your understanding. Thank you for your cooperation. Sincerely, Maureen S.

Hello, my name is Melissa Reece. Someone has been using my Merrick Bank credit card without my permission. I tried calling your customer service, but all the lines were busy, so I decided to reach out via email. If I encounter this problem again, please text me on my cell phone, which is [redacted]. Please do not call my sister's phone. My account number is 4[redacted] 5[redacted]. Kindly refrain from contacting my sister and only reach out to me via my cell phone. I do not wish for my sister to be involved. I appreciate your help in resolving this issue and kindly request a replacement credit card. Thank you, Melissa.

I recently received a notification about a missed payment on my credit score related to a Merrick Bank credit card. However, I do not possess a Merrick Bank card and have never received one. As a result, I am unable to activate an account. This situation is either a mistake or fraudulent activity. I have made several unsuccessful attempts to contact their customer service, experiencing long hold times without reaching a representative. Resolving this issue is crucial as it is negatively affecting my credit score. I am unable to make a payment as I genuinely do not have an account with Merrick Bank.

I recently checked my credit report and noticed an account from MERRICK BANK for a credit card with a $[redacted] limit opened on 12/21/21. The issue is I don't have a MERRICK BANK credit card and have never applied for one. Just to clarify, the card shows a $0 balance with no activity. If the card is being sent to me, I'm okay with that, but I am concerned about potential fraudulent charges since I did not apply for this card. What steps should I take to address this situation?

Hello, I am Tapeka J. I called Merrick Bank's customer service line and after a 2-hour hold, I finally reached a representative. I simply wanted to know the mailing date of my new card. The representative's response was vague, stating it will be mailed shortly without providing any specific date or explanation. I am seeking a more professional response with the exact mailing date and an estimated arrival time for my new card.

I contacted Merrick Bank at 1-[redacted] to report my lost or stolen card. After waiting for over 30 minutes, a representative asked for my social security number and then placed a block on my account. I was transferred to another person who noticed a freeze on my account and then directed me to someone else. When explaining my situation again, the new person mentioned a fraud alert on my account, which led to confusion. Unfortunately, the call was abruptly disconnected, leaving me unable to access my online account. I am frustrated by the lack of clarity and communication during this process and plan to seek assistance from the attorney general regarding the handling of my case by the bank.

Merrick Bank has violated multiple laws by sending me 4 pre-approved letters by mail and 4 via email within a short time frame. Despite owning two collection agencies and three merchants, I received these communications despite not owing any debt. Intrigued, I provided my information in response to the pre-approved offer but have only received more pre-approved letters since then. As a customer with three current credit cards in good standing, I assume approval was likely. I have shared all the details with my attorney as each letter received constitutes a $10,[redacted] violation. I advise Merrick Bank to address this matter promptly to resolve the issue.

On January 25th at around 5 p.m., I discovered a fraudulent charge of $[redacted].36 on my card, which I did not make. Dealing with Google Play was challenging, so I reached out to a helpful Merrick Representative. He promptly closed my card and assured me that the $[redacted].36 would be reimbursed. I rarely use this card, and the purchase was not mine, leading to suspicion of hacking. Although the seller has taken back the item, the refund has yet to reflect in my account. The Merrick Representative mentioned that since I reported it immediately and the charge was pending, there should be no issue getting the money back. I am awaiting my new card, which might take about a week to arrive. I am currently on hold with Merrick, seeking an update on when the promised refund for the unauthorized January 25th transaction will be processed. Thank you for your assistance.

After attempting to reach Customer Service for three days without success, it seems this company may no longer be operational. Each time I called, I waited for over an hour only to be met with no response. My concern revolves around the monthly late charges on my account despite making payments around the 17th or 18th of the previous month, well before the due date of the 1st. My requests for paper statements have been disregarded, and online statements are inconsistently received. The billing process appears disorganized and possibly misleading, consistently resulting in late fees. As I await a customer service representative on a current call, my frustration continues after 40 minutes. If unresolved tonight, I plan to escalate this matter to the Corporate Office and The Better Business Bureau, as well as Credit Karma for their Merrick Credit card offer. These repeated late charges have significantly impacted my credit score, unlike my experiences with other credit cards. The extended wait times on the phone raise concerns about call center efficiency and agent accountability.

Subject: Request for Assistance with Recent Charges on Merrick Visa Account Dear Merrick Bank, I am facing financial challenges and reaching out for assistance with recent charges on my Merrick Visa account. [redacted] was a difficult year for me as my business failed, and various unexpected calamities drained my resources. Despite my efforts to find legal work, I encountered setbacks such as car troubles and unauthorized charges to my husband’s bank account. After finally receiving a donated car and securing a stable job at the end of last year, I am now focused on managing my debts. Encountering charges on my Merrick Visa account including a $67.20 interest charge, a $40 late fee, and a $17.10 "Lost/Stolen Transfer Adjustment" has added to my financial strain. Despite attempts to contact customer service, I have faced challenges reaching a resolution. I respectfully request your assistance in reviewing and possibly adjusting these charges as I work towards financial stability. I appreciate your understanding and look forward to a favorable response at your earliest convenience. Sincerely, J. L. R.

I recently made a purchase at Shoe Carnival in Peoria, IL and later exchanged the item for a cheaper one, resulting in a $10.90 credit. However, Merrick has been showing a pending charge of $10.90 on my account. Despite having a credit slip clearly stating the return and displaying the $10.90 credit, I have been unable to resolve this issue with Merrick. After multiple unsuccessful attempts to reach their customer service, I am frustrated with being put on hold for extended periods without any resolution. Given the current challenging times with the pandemic, even a $10.90 credit is significant to me, and I am eager to have this matter resolved promptly.

I explained my concern, but it's late now and I need to rest. Thank you. I will address the Robot matter tomorrow if it's still an option. I prefer not to repeat my issue as I believe Merrick has already taken up a lot of my time. However, I did outline it in a recent letter to you. Many thanks. Once I settle the $[redacted] I owe, I will not use this card again. It's important to alert others; I should have researched better how to reach Merrick.

I recently bought a pair of boots from Shoe Carnival in Peoria, IL on February 5, [redacted]. The next day, I returned them with my receipt and exchanged them for a different pair, which was less expensive. The receipt shows a credit of $10.90 to my Merrick Visa card. However, when I checked my Merrick account online, there was a pending charge of $10.90. Despite confirmation from the store that it was a credit, I had to call Merrick three times, waiting hours for a call back and being put on hold for 35 minutes each time. This experience feels deceptive, and I regret not researching Merrick's customer service availability beforehand. It's late now, and I hope to resolve this issue without spending more time on Merrick tonight. Thank you. -Pamela Walker

I recently obtained a new card and encountered issues while using it. On my first day of trying to use the card at Walmart on 2/23, it didn't work due to a fraud alert. After contacting customer service, the card was reactivated, and I managed to make a successful purchase. However, when I attempted to buy gas for $15, the card was declined. Even after trying a second time, it still didn't work. I then went to a different location in Missouri and successfully purchased $20 worth of gas. Upon returning to Walmart, the card was deactivated again, despite it being me using it. With $[redacted] credit available, I expect the card to function properly. The persistent issues are frustrating, and if not resolved, I will consider canceling the card and refusing to pay the annual fee. The frequent deactivation is inconvenient and reflects poorly on the professionalism of the service.

In December [redacted], Merrick Bank contacted my husband regarding a suspicious purchase made in another state on his account. After confirming he did not authorize the transaction, they canceled the card and mentioned it would take three billing cycles to resolve the fraudulent charge issue. Despite being assured that the accrued interest would be removed along with the fraudulent amount, my husband's balance now exceeds the unauthorized charge due to interest accumulation. Despite his monthly calls to Merrick Bank, he has encountered long waiting times, with a recent call on March 6, [redacted], revealing that the fraudulent claim process had not begun. The customer service representative used terminology such as "lost or stolen" instead of addressing it as a fraudulent charge. After an unsatisfactory response, he was placed on hold for three hours, leading to concerns about further increases in both the balance and accrued interest.

I recently received a new credit card and faced challenges activating it. Despite activating it over the phone, the card was still not functional. Customer service informed me that I needed to make my annual payment. After a conversation with a supervisor, they extended the payment deadline to May. However, even after waiting for 24 hours, my card was not working. I decided to make an early annual payment, but the card remained inactive. During multiple calls over the past week, I encountered frequent disconnections and was informed that my account had been closed. Despite managing to make a payment, the issue persisted. After eight frustrating calls, I was assured that a supervisor would assist me, but I got disconnected again. I am seeking a resolution to either reactivate my card or receive a refund of the annual fee. Thank you in advance for any help provided.

I recently had an issue with my Merrick credit card being closed after multiple returns, which resulted from my misunderstanding of money management, compounded by my learning disabilities and mental health challenges. Relying heavily on Merrick Bank's emails and payment history page, I was confused by contradictory messages. For instance, I received a payment confirmation email only to later discover a return payment on the history page. This pattern repeated, leading to multiple erroneous payments due to the inconsistent and misleading emails from Merrick Bank. Despite my efforts to stay on top of my account by checking emails daily, the confusion persisted, causing significant financial strain and frustration. I hope Merrick Bank can investigate these discrepancies and consider reopening my credit card account in light of these challenges.